Refinancing Share Origination actual is at 45% in 2015. Forecast for 1st quarter of 2016 increased to 51%. Forecast for 1st quarter of 2016 is 51% and will decrease to 50% in the last quarter of 2016. Forecast for 1st quarter of 2017 is at 42% and will be 28% by the last quarter of 2017. Forecast for 2018 will be 30% in the 1st quarter and 23% in the last quarter.

Change in Residential Mortgage Debt is 2.5% in 1st quarter of 2017. Forecast for 2nd quarter of 2017 will be 4.0% upto 4.3% in the last quarter. Forecast for 2018 will be 4.4% and will increase to 4.9% in the last quarter

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1) Taxable income needs to have dropped 20%+ before the Bankruptcy,Short Sale,Deed In Lieu,Foreclosure.Lets say BK was in 2013,was the taxable income in any one preceding year 20%+ less than the immediate previous year .